Burlington, KY · Cert 57090
FDIC
Q3 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2007, the quarter ended September 30, 2007, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Burlington, KY · Cert 57090
FDIC
Q3 2007
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.53% | -0.25% | -0.28% | -0.26% | -0.34% | -1.09% | -0.75% | -0.72% | -46 bps | |
| Return on Equity | -15.87% | -2.37% | -2.65% | -2.56% | -3.54% | -12.00% | -8.12% | -7.85% | -529 bps | |
| Net Interest Margin | 2.97% | 3.42% | 3.09% | 2.82% | 2.68% | 2.48% | 2.69% | 2.80% | -1 bps | |
| Efficiency Ratio | 128.24% | 98.66% | 99.70% | 99.64% | 102.21% | 127.60% | 115.76% | 113.67% | +1,403 bps | |
| Non-Interest Burden | 4.05% | 3.36% | 3.07% | 2.80% | 2.76% | 3.38% | 3.25% | 3.31% | +50 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 24.13% | 20.25% | 12.20% | 17.01% | 23.69% | 24.43% | 22.66% | 20.06% | +305 bps | |
| Loan Growth (YoY) | 40.25% | 42.98% | 30.46% | 27.90% | 34.56% | 21.51% | 31.42% | 26.89% | -101 bps | |
| Deposit Growth (YoY) | 21.84% | 8.28% | 17.95% | 15.35% | 16.26% | 38.15% | 13.43% | 16.07% | +73 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.07% | 0.04% | 0.07% | 0.06% | 0.01% | 0.03% | 0.04% | -4 bps | |
| Allowance / Loans | 1.23% | 1.22% | 1.32% | 1.24% | 1.15% | 1.25% | 1.22% | 1.20% | -5 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 16.23% | 15.02% | 15.01% | 13.36% | 11.72% | 13.78% | 12.70% | 12.21% | -115 bps | |
| Equity / Assets | 10.75% | 10.33% | 10.13% | 9.41% | 8.43% | 9.69% | 9.63% | 8.97% | -44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.17% | 92.48% | 85.06% | 83.45% | 95.10% | 81.34% | 98.55% | 91.23% | +778 bps | |
| Liquid Assets / Assets | 0.10% | 0.11% | 0.10% | 0.17% | 0.10% | 0.63% | 0.12% | 0.12% | -5 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |